BlastPoint's Credit Union Scorecard
S. C. STATE
Charter #24824 · SC
S. C. STATE has 7 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does SC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 1.1% in tier
- + Organic Growth Engine: Top 34.9% in tier
- + Organic Growth Leader: Top 34.9% in tier
- + ROA 1.25% above tier average
- + Net Interest Margin 0.83% above tier average
- + Efficiency Ratio: Top 4.0% in tier
- + Net Worth Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 48.9% in tier
- - Credit Risk Growth: Bottom 61.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in South Carolina.
- Shares and deposits +4.3% year over year ($1.23B in shares and deposits).
- Membership: 94,160 members, +3.4% vs a year ago.
- Delinquency rate 0.82%.
- Return on assets 2.07%.
- Efficiency ratio 55.83% vs a 73.02% peer average.
- Loan-to-share ratio 70.20% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
94,160
+3.4% YoY+0.7% QoQ
|
-2.7K |
96,861
-1.9% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$1.5B
+5.5% YoY+0.9% QoQ
|
$-254.1M |
$1.7B
+0.4% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$864.0M
+4.1% YoY+1.1% QoQ
|
$-370.2M |
$1.2B
+0.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$1.2B
+4.3% YoY+0.5% QoQ
|
$-232.5M |
$1.5B
+0.5% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
44% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.1%
+10.9% YoY+0.8% QoQ
|
+1.3% |
0.8%
+27.6% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
Top 1.0% in tier |
| NIM |
4.3%
+7.2% YoY+1.3% QoQ
|
+0.8% |
3.4%
+6.6% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
Top 6.7% in tier |
| Efficiency Ratio |
55.8%
+2.1% YoY-4.6% QoQ
|
-17.2% |
73.0%
-2.7% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
Top 4.0% in tier |
| Delinquency Rate |
0.8%
+5.2% YoY+2.1% QoQ
|
+0.0 |
0.9%
+7.3% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
70.2%
-0.3% YoY+0.6% QoQ
|
-14.5% |
84.7%
+0.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 15.0% in tier |
| AMR |
$22,248
+0.8% YoY+0.1% QoQ
|
$-7K |
$29,575
+1.5% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.7% in tier |
| CD Concentration |
21.1%
+8.9% YoY+5.6% QoQ
|
-8.0% | 29.1% | 18.3% | 20.0% | 16% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 6.0% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)